Part 45

"Full many a gem, of purest ray serene, The dark unfathomed caves of ocean bear; Full many a flower is born to blush unseen, And waste its sweetness on the desert air."

How many young men for whom nature has done so much, "blush unseen," and waste their ability. Franklin said, "Dost thou love life? Then do not squander time, for that is the stuff life is made of." We have seen how Franklin used his time. Born the son of a soap-boiler, lived to become one of our most noted philosophers, died worth thousands. Advice from such men carries conviction, for we cannot but feel that our chances are fully equal to what theirs were.

Gladstone, England's most noted Premier, once said, "Believe me when I tell you that thrift of time will repay you in after-life with usury, but the waste of it will make you dwindle away until you fairly sink out of existence, unknown, unmourned." Thurlow Weed was so poor in boyhood that he was of necessity glad to use pieces of carpet to cover his all but freezing feet; thus shod he walked two miles to borrow a history of the French revolution, which he mastered stretched prone before the sap-fire, while watching the kettles of sap transformed to maple sugar. Thus was it that he laid the foundation of his education, which in after years enabled him to sway such mighty power at Albany; known as the "king maker."

Elihu Burritt, a child of poverty, the son of a poor farmer, the youngest of ten children. He was apprenticed at eighteen to a blacksmith. He wanted to become a scholar and bought some Greek and Latin works, carrying them in his pocket and studying as he worked at the anvil. From these he went to Spanish, Italian and French. He always had his book near him and improved every spare moment. He studied seven languages in one single year. Then he taught school one year, but his health failing, he went into the grocery business. Soon what money he had was swept away by losses.

Here we see him at twenty-seven, life seemingly a failure. Alas! how many would have given up. He left New Britain, his native town, walked to Boston, and from there to Worcester, where he once more engaged himself at his trade. His failure in business turns his attention once more to study. He now is convinced as to the proper course to pursue, his aim is fixed, and he now sets himself strenuously about the accomplishment of his purpose. At thirty years of age he is master of every language of Europe, and is turning his attention to those of Asia, such as Hebrew, Syriac, Chaldaic. He is offered by a wealthy gentleman a course in Harvard University, but prefers to work with his hands while he studies.

He now begins to lecture, and everybody is eager to hear the learned blacksmith. After a very successful tour he returns to the anvil. After this he visits Europe, becomes the warm friend of John Bright and other eminent men; writes books, lectures, edits newspapers, builds a church and holds meetings himself. He said: "It is not genius that wins, but hard work and a pure life." He chose the best associates only, believing that a boy's companions have much to do with his success in life. At sixty-eight he died, honored by two hemispheres.

If our readers want further proof as to the result of improving spare moments, let them study the lives of such men as Douglass, Lincoln, Grant, Garfield, Blaine, Cleveland, and others too numerous to mention, and they will find that they were reared in the lower walks of life, but by using every available minute they have been enabled to rise to influence and usefulness. By this means they have worked the very odds and ends of time, into results of the greatest value. An hour every day, for ten years, will transform any one of ordinary ability from ignorance to learning.

Think of it. One hour could be easily improved each evening, counting three hundred week days to a year; in ten years you have spent three thousand golden hours. If directed toward some specific end, think what it would accomplish. Then there are the Sundays devoted to religious knowledge. One of the first things to be learned by him who would succeed, is ECONOMY OF TIME. Lost wealth can be replaced by industry; lost health by hygiene; but lost time is gone forever.

The most frequent excuse one hears is: "I have no time." They cheat themselves with the delusion that they would like to do this or that, but cannot as they have no leisure. Dear reader, did you ever think that the more a person has to do, the more they feel they can do? Look at the men in our own community who have done the most for mankind; are they the wealthy, whose only duty seems to be to kill time? No. Almost universally they are the over-worked class who seem already burdened with cares. These are the men who find time to preside at public meetings, and to serve on committees.

It is easier for an over-worked man to do a little more than for a lazy one to get up steam. A light stroke will keep a hoop in motion, but it takes a smart blow to start it. The busy man succeeds: While others are yawning and stretching, getting their eyes open, he will see the opportunity and improve it. Complain not that you have no leisure. Rather be thankful that you are not cursed with it. Yes, curse it is nine times out of ten. Think of the young man going to some vile place of amusement to kill time, then think of that young man utilizing that hour every night in the acquisition of knowledge which will fit him for life's journey. Think also of the money he will save. Leisure is too often like a two-edged sword; it cuts both ways.

CAUSES OF FAILURE.

Horace Greeley has truly said: "If any man fancies that there is some easier way of gaining a dollar than by squarely earning it he has lost the clew to his way through this mortal labyrinth, and must henceforth wander as chance may dictate." Look about you; how many there are who are determined to share all the good things of this world without exchanging an equivalent. They go into business, but are not content to wait patiently, adding one dollar to another, and thus rendering to mankind an equivalent for this wealth for which they are asking. This excessive haste to become rich is one of the most frequent causes of failure. When a young man has decided to work with a will, and to accumulate every dollar he legitimately can he has made a long stride toward success. We do not deprecate a desire to be some one in the world, but we do most emphatically frown upon the desire to get wealth by speculation or illicit means. We most earnestly advise all young men to choose a calling, become thoroughly master of that calling, then pursue that vocation to success, avoiding all outside operations. Another man who has dealt in stocks all his life may be able to succeed, but your business is to stick to your vocation until, if necessary, you fairly wring success from it.

Moses Taylor was a successful merchant, he had long deposited with the City Bank, and was finally made its president. The late Commodore Vanderbilt often tried to induce him to enter into his grand speculations, but of no avail. At last the crash of '57 came. The bankers called a meeting to discuss the situation. One bank after another reported drafts of from sixty to even ninety per cent. of their specie. When Mr. Taylor was called he replied: "The City Bank contained this morning $400,000; to-night we had $480,000." This was the kind of a bank president such principles made him.

Hardly anything is more fatal to success than a desire to become suddenly rich. A business man now counts his wealth by the thousands, but he sees a grand chance to speculate. This is a little risky, of course, but then the old adage: "Never venture, never have." I admit I may lose, but then all men are subject to loss in any business, but I am reasonably sure of gaining an immense amount. Why! what would folks think? I would be a millionaire. I would do so and so. Thus he indulges in this sort of reasoning, goes into a business of which he knows nothing and loses all. Why wouldn't he? Men who have made a study of that business for years, and who have amassed a fortune in it, are daily becoming bankrupt. What an idiot a man makes of himself when he leaves a calling in which he has been eminently successful to embark in a calling which is, at best, uncertain, and of which he knows nothing. Once for all, let me admonish you: If you would succeed never enter outside operations, especially if they be of a speculative nature. Select a calling, and if you stick to your calling, your calling will stick to you.

Frequent changes of business is another cause of failure, but we have treated this subject quite thoroughly elsewhere in this work. Therefore it seems to us that to add more here would be superfluous. True it is that some men have succeeded who have seemingly drifted about. Dr. Adam Clark has said: "The old adage about too many irons in the fire conveys an abominable lie. Keep them all agoing--poker, tongs and all." But Dr. Clark seems to forget that the most of the people who try to follow his advice, either burn their fingers or find their irons cooling faster than they can use them. We cannot all be Clarks if we try, and to follow this method the most of us will fail; but we can, by following one line of procedure, at last bring success.

Extravagance of living is another prolific cause of bankruptcy. A man imagines that by hiring a horse and driving in the park he will show people that he is as good as the neighbor who drives his own horse. He deludes himself with the idea that this sort of extravagance will, in the eyes of his fellow-men, place him on an equal footing with millionaires.

Dr. Franklin has truly said: "It is not our own eyes, but other people's, that ruin us." It has been said that the merchant who could live on five hundred a year, fifty years ago, now requires five thousand. In living, avoid a "penny wise and pound foolish" custom. A man may think he knows all about economy and yet be ignorant of its first principles. For instance, a business man may save every imaginable piece of writing paper, using all the dirty envelopes that come in his way. This he does instead of using a neat letter head and clean paper, at a slight additional cost, and vast gain in the influence which such a letter carries over the other. Some years ago a man stopped at a farm house over night. After tea he much desired to read, but found it impossible from the insufficient light of one candle. Seeing his dilemma, the hostess said: "It is rather difficult to read here evenings; the proverb says, 'You must have a ship at sea in order to be able to burn two candles at once.'" She would as soon have thought of throwing a five dollar bill into the fire as of setting the example of burning two candles at once. This woman saved, perhaps, five or six dollars a year, but the information she thus denied her children would, of course, out-weigh a ton of candles. But this is not the worst of it.

The business man, by such costly stinginess, consoles himself that he is saving. As he has saved a few dollars in letter paper, he feels justified in expending ten times that amount for some extravagance. The man thinks he is a saving man. The woman is a saving woman, she knows she is a saving woman. She has saved five or six dollars this year in candles, and so feels justified in buying some needless finery, which could gratify nothing but the eye. She is sure she understands economy, yet she starves the mind to clothe the body in finery. She is something like the man who could not afford to buy more than a penny herring for his dinner, yet hired a coach and four to take it home. Saving by retail and wasting by wholesale. Nowadays we use kerosene and thus our light is both good and cheap, but the principle remains.

Wear the old clothes until you can pay for more; never wear clothes for which you owe anyone. Live on plainer food if need be. Greeley said: "If I had but fifty cents a week to live on, I'd buy a peck of corn and parch it before I'd owe any man a dollar." The young man who follows this principle will never be obliged to live on parched corn. How few people keep an itemized account of their expenses. Spendthrifts never like to keep accounts. Buy a book; post in it every night your daily expenditures in the columns; one headed "Necessaries," the other "Luxuries," and you will find that the latter column will be at least double the former. Indeed, in some cases it will exceed it ten times over.

It is not the purchase of the necessaries of life that ruin people, but the most foolish expenditures which we imagine necessary to our comfort. Necessary to our comfort; Ah! what a mistake is that, as many a man will testify who is perpetually dunned by uneasy creditors. It is the sheerest kind of nonsense, this living on credit. It is wicked. Yet a gentleman recently told the writer that he personally knew a clergyman who had been preaching for years on a salary exceeding seven hundred dollars per year, and of late on twelve hundred per year; yet, this man of the gospel to-day owes his college debts. A man loaned him money to go through school, and he has never been "able" to repay that money, although he has practiced the most "rigid economy."

Stuff! this man knows nothing of the first principles of economy. In my opinion, there are many clergymen who will have to answer for the sin of extravigance: There are many more who will have to answer for the sin of slothfulness. The Bible says: "Six days shalt thou labor and do all thy work." Ah! there is a part of the commandments too often skipped flippantly over. Many a clergyman would be horrified if asked to do any labor on the seventh day; but would be equally horrified if accused of sinning by attending to a foreign business, thereby neglecting to do all his labor during the six other days.

God gives us ample time to do our work, and it is a sin to leave any of it undone. God expects a man to choose some calling, and He also expects that man to master that calling, and He expects him to do his utmost to excel in that calling. No clergyman can spend four days out of a week in some foreign work, and in the two remaining days thoroughly prepare himself for the Sabbath work. For two reasons: One is, he disregards the law of concentration, divides his mind and thoughts; hence, loses force and influence. The other, that God does not approve of other than our best effort.

This preacher will occupy one hour in preaching a twenty-five minute discourse, and then complain because people are not interested in his sermons. We do not justify Sabbath-breaking, nor a lack of religious interest, but the preacher who is unwilling to take any responsibility upon himself for such a state of things is lacking somewhere. We speak of the clergyman simply as illustrative of our idea in this matter. The same rule applies to the lawyer, physician, or merchant--the mechanic, artist or laborer. If I was a day laborer building a stone wall I'd study my work and push it so vigorously that I would soon be, if not the best, at least one of the best workmen anywhere to be found. Strive to be an authority. Wasted opportunity; there is the root of thousands of failures.

A recent paper states that nine-tenths of our young lawyers fail from lack of study. Here is a thought for the clergyman who thinks he should have a better place. Of course there are circumstances to be considered, but the man of determination bends circumstances to his will. A man imagines himself capable of filling a higher place than he does. He imagines himself a Webster, a Lincoln, a Garfield, a Spurgeon--'but vainly waits for circumstances to favor his deserved promotion. Look at Spurgeon; was he picked up bodily and placed in the pulpit he now stands upon? No, but he was full of the Holy Ghost, and without thought of what he deserved began preaching in the street. Was Talmage placed in the Tabernacle because he was of real inferiority to other preachers. No; but he was original, he borrowed from no one, he did his best, he fits the notch in which he is placed. Did people get down on their knees to Beecher, begging him to occupy Plymouth church? They recognized the necessity of concentration; and, although you see them in other fields, at times, still it was not until they had mastered their first undertaking. Elihu Burritt mastered over forty different languages by taking one at a time.

The writer, in early youth, learned a lesson which has ever been of inestimable benefit to him. The next lessons would begin Fractions, something we never had taken. We began to glance through that part of the book, and soon became thoroughly convinced that we should never be able to master their intricacies, at once becoming despondent. Coming home at night, he spoke of his discouragement, when his father set to work explaining the first principles. Thus, step by step, the stubborn principles were mastered, and to-day, if there is any part of Arithmetic in which he excels it is in Fractions.

"Never cross bridges until you come to them." A man should plan ahead, but he should be hopeful--not confident--should never borrow trouble, and must avoid all extremes. Another cause of failure is: The habit of endorsing without security. No one should ever endorse any man's paper without security or an equivalent. I hold that no man has a right to ask you to endorse his paper unless he can either endorse for you or give good security. Of course there are cases where a brother, who is young and cannot give security, can be helped into business; but his habits must be his security, and his duty is to have made his previous life a guarantee of his ability to safely conduct the business. But even in such cases a man's first duty is to his family, and he should never endorse, even a brother's paper, to a greater amount than he feels that he could reasonably lose.

A man may be doing a thriving manufacturing business--another man comes to him and says: "You are aware that I am worth $20,000, and don't owe a dollar; my money is all locked up at present in my business, which you are also aware is to-day in a flourishing condition. Now, if I had $5,000 to-day I could purchase a lot of goods and double my money in a few months. Will you endorse my note for that amount?" You reflect that he is worth $20,000, and, therefore, you incur no risk by endorsing his note. Of course, he is a neighbor; you want to accommodate him, and you give him your name without taking the precaution of being secured. Shortly after he shows you the note, cancelled, and tells you, probably truly, that he made the profit expected by the operation. You reflect that you have done him a favor, and the thought makes you feel good.

You do not reflect, possibly, that he might have failed for every dollar that he was worth, and you would have lost $5,000. You possibly forget that you have risked $5,000 without even the prospect of one cent in return. This is the worst kind of hazard. But let us see--by and by the same favor is again asked, and you again comply; you have fixed the impression in your mind that it is perfectly safe to endorse his notes without security. This man is getting money too easily. All he has to do is take the note to the bank, and as either you or he are considered good for it, he gets his cash. He gets the money, for the time being, without an effort. Now mark the result: He sees a chance for speculation outside of his business--a temporary investment of only $10,000 is required. It is sure to come back even before the note is due. He places the amount before you and you sign in a mechanical way.